Verified real estate experts in Calgary

One verified expert per sector: broker, mortgage broker, inspector, lawyer and appraiser. Pick your neighbourhood.

8 sectors 34 verified experts · as of

Sectors / neighbourhoods

Verified Partial No expert · 1 dot per profession

Calculate for Calgary: buy or sell

Buy

Registration fees, down payment and mortgage in Calgary

Starting price: Calgary's reference price (CREB, September 2026). Change any field and everything is recalculated.

Land transfer taxnone
Registration fees (title + mortgage)$1,125
Fees to pay$1,125
Minimum down payment (federal rule)$31,670
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$452,700
Monthly payment, 25 years at 4.49%$2,503
Household income needed (stress test)$112,000

No land transfer tax in Alberta: only title and mortgage registration, at the province's public schedule, computed on the actual loan. Rate: Bank of Canada 5-year fixed mortgage rate (July 2026); your lender will set its own. Income needed: 6.49% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Calgary as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

By profession

The Calgary real estate market — Sep 2026

At a glance
Source : CREB, September 2026
IndicatorValue1-year change
Reference price (Sep 2026)$566,700-0.82%
Average price$646,198+4.93%
Market conditionsSeller's market · 3.93 months
Sales (Sep 2026)1,650 transactions-3.85%
Avg. days on market44 days
By property type
Detached$739,400-0.95%
Apartment$291,400-8.28%

Calgary's housing demand is powered by interprovincial migration and relative affordability.

In September 2026, the MLS® benchmark price in Calgary stood at $566,700, down 0.82% year over year. The average price, all property types combined, was $646,198 (+4.93% year over year). By property type: detached $739,400 (−0.95%) and apartment $291,400 (−8.28%). There were 1,650 sales during the month, 3.85% fewer than a year earlier. With 3.93 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Calgary took an average of 44 days to sell. Source: CREB, September 2026.

Calgary's strength is a diverse economy and detached-home affordability that keeps drawing newcomers, but the inner-city, suburban and condo segments each follow their own dynamics. Buyers should pin down which segment they're actually in — a downtown apartment and a Southeast new-build face very different supply and pricing pressures. A broker who can act quickly and a mortgage professional with financing ready are what win competitive offers.

When the best listings move fast, acting with the right expert is the difference between an accepted offer and a missed one. Payotte lists one verified professional per sector across Calgary's 8 covered districts — real estate broker, mortgage broker, home inspector, lawyer and appraiser — each ranked on Google reviews, experience and an active licence (RECA, the Law Society of Alberta, the Appraisal Institute of Canada). One reference per neighbourhood, never sponsored.

How Payotte selects

For every sector, Payotte publishes a single professional per profession — the highest-scoring on its 100-point grid (Google reviews 35, experience 30, active provincial licence 15, local presence 15, bonus 5). No paid placement, no ads, no commissions.

Frequently asked questions

Which real estate professionals does Payotte recommend in Calgary?

In Calgary, Payotte names one independent, verified professional per trade in each of its 8 sectors — real estate agent, mortgage broker, home inspector, real estate lawyer and appraiser — scored on public data (Google reviews, active licence on the regulator's register, local presence), with no ads or commissions.

What is the average home price in Calgary in 2026?

In September 2026, the MLS® benchmark price in Calgary stood at $566,700, down 0.82% year over year. The average price, all property types combined, was $646,198 (+4.93% year over year). By property type: detached $739,400 (−0.95%) and apartment $291,400 (−8.28%). Source: CREB, September 2026.

Is Calgary a buyer's or seller's market?

With 3.93 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Calgary took an average of 44 days to sell. Source: CREB, September 2026.

How are prices moving by segment in Calgary?

In September 2026, in Calgary, by property type: detached $739,400 (−0.95%) and apartment $291,400 (−8.28%). Source: CREB, September 2026.

How does Payotte pick the expert for a sector?

On a 100-point scale (Google reviews 35, experience 30, active licence such as RECA 15, local presence 15, bonus 5). Only the top-scoring verified professional is listed per sector.

How much tax do you pay when you sell a home in Calgary?

Usually none if it is your principal residence: the Canada Revenue Agency's principal residence exemption wipes out the capital gain for each year the home is designated, though the sale must still be reported. For another property (cottage, rental), half the gain is added to taxable income (1/2 inclusion rate, CRA guide T4037) and taxed at your marginal rate. Example at Calgary's reference price ($566,700): bought for $466,700, the home shows a gain of $100,000: $0 taxable if it is your principal residence; otherwise $50,000 of taxable amount is added to your income (the resulting tax depends on your marginal rate, not computed here). The land transfer tax is paid by the buyer, not the seller; the agent's commission is negotiated, and no official schedule sets it.

Source : CREB · Ville de Calgary · 2026-09 — figures updated with each board release.

Property assessment in Calgary

Assessor: Municipalities: the municipal assessor assesses all property except designated industrial property, which the provincial assessor assesses (MGA, s. 289).. To appeal: The complaint must be filed no later than 60 days after the notice of assessment date printed on the notice (MGA, s. 284(4)). In 2026, that was March 23 in both Calgary and Edmonton.

The Calgary market pulse, every month

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